I agree Clubman. i love getting free stuff. I've availed of the Ulster Bank offer €150 - treated myself, i've just aplied for the halifax credit card. I go for a good rate deposit savings account and a good rate monthly deposit account and when the offers ends i will probably move the money if there is a better offer. If not, I'll reduce my mortgage quicker. I've paid lots of bank charges over the years and its lovely to get something back. I remember when i was a student in my first week i opened three bank accounts to avail of free cash/ travel card etc. It's money for nothing- why not